Abacus Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
In Q2 2026, Equity capital to average assets edged down by 0.25 percentage points, from 17.90% to 17.65%, the largest move among the key lines here. Abacus Federal Savings Bank ranks 9th of 82 New York banks on CET1 ratio, in the upper half at 33.96% (Q2 2026). Against a median of 15.07% for banks in the $100M-1B asset tier, Abacus Federal Savings Bank reported 33.96% on CET1 ratio in Q2 2026, 18.89 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 33.96% |
| Tier 1 risk-based capital ratio | 33.96% |
| Total risk-based capital ratio | 35.26% |
| Tier 1 leverage ratio | 16.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $52.1M |
| Tier 1 capital | $52.1M |
| Total risk-based capital | $54.0M |
| Total equity capital | $57.2M |
| Risk-weighted assets | $153.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 17.83% |
| Tangible equity to tangible assets | 17.83% |
| Equity capital to average assets | 17.65% |
| Internal capital growth rate | 1.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.0M |
| Common stock surplus | $0 |
| Retained earnings | $55.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 29.87% | 29.87% | 31.16% | 14.77% | $162.1M |
| Q4 2023 | 30.01% | 30.01% | 31.31% | 15.02% | $159.7M |
| Q1 2024 | 29.98% | 29.98% | 31.28% | 15.17% | $161.8M |
| Q2 2024 | 29.88% | 29.88% | 31.18% | 15.32% | $164.9M |
| Q3 2024 | 30.50% | 30.50% | 31.80% | 15.53% | $163.6M |
| Q4 2024 | 30.81% | 30.81% | 32.11% | 15.84% | $161.7M |
| Q1 2025 | 31.88% | 31.88% | 33.19% | 15.91% | $158.2M |
| Q2 2025 | 32.84% | 32.84% | 34.14% | 15.86% | $155.5M |
| Q3 2025 | 33.40% | 33.40% | 34.70% | 15.93% | $154.3M |
| Q4 2025 | 32.44% | 32.44% | 33.75% | 15.88% | $157.1M |
| Q1 2026 | 33.47% | 33.47% | 34.77% | 16.47% | $153.9M |
| Q2 2026 | 33.96% | 33.96% | 35.26% | 16.32% | $153.3M |
Abacus Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Abacus Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Abacus Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32257) · FFIEC NIC profile (RSSD 762773)